COMMUNITY BANCSERVICE CORPORATION, INC. (CBSC)CBSC logo


A subsidiary of Community Bankers Association of Illinois (CBAI), CBSC aggregates the “clout” of CBAI member banks to negotiate lower costs and provide improved access to essential bank products and services. CBSC recommends products and services that assist banks with income-production, expense reduction, consulting, marketing, compliance, equipment, insurance, lending, A/L management and payments. Before the CBSC board of directors awards any program an exclusive partnership, it is subjected to a rigorous due diligence review that includes extensive testing by members, occasionally by independent experts, and negotiation of special member-only benefits. This process typically takes up to six months.

Today, CBAI members use an average of more than five CBSC preferred providers. Last year, members collectively saved nearly $ 1.5 million in purchasing discounts from CBSC-recommended firms. Contact CBSC today and share in the savings.

Contact CBSC today if you have any questions!


Adlumin
Cybersecurity Software
Contact: Andy Bohmbach | Phone: 608/556-9015| Website: www.adlumin.com
Adlumin Inc. is the command center for security operations built on patented serverless data processing architecture. Adlumin includes data science and threat research strategies, active directory and account monitoring, deep and dark web monitoring, perimeter defense, and log management capabilities. Our mission is to “add luminosity,” or visibility, to customers’ cybersecurity network processes through real-time threat detection, analysis, and response. Adlumin is a cost-efficient platform, viable solution for any sized bank – small, medium, or large. With Adlumin, banks can monitor and defend their networks locally, in the cloud, and across the globe. Adlumin has been a CBSC Marketing Partner since 2021.


ADVANTAGE powered by JMFA logo

ADVANTAGE powered by JMFA
Overdraft Services & Vendor Contracts
Contact:
Dan Boyer | Phone: 636/275-2901 | Website: www.advantage-fi.com
CBAI has partnered with ADVANTAGE to help your bank achieve better results through strategic, data-driven recommendations. With ADVANTAGE on your side, community banks can stay ahead of regulatory and examiner expectations with a consumer-focused overdraft strategy that preserves revenue and includes a 100% compliance guarantee. Community banks can also efficiently uncover significant savings and secure more value in their vendor contracts with ADVANTAGE’s expertise for negotiating the best deal for new, innovative, consumer-driven services. CBAI members receive special pricing. ADVANTAGE powered by JMFA has been a CBSC Marketing Partner since 2022.


CBAI 401(k) Multiple Employer Plan (MEP)

401(k) Plan
Contact: Nathan WhitePhone: 800/732-8601 | Website: www.midwesternsecurities.com
CBAI has partnered with Midwestern Securities Trading Company and Pentegra to provide a multiple employer 401(k) plan or, MEP. Merging individual bank 401(k) plans into the CBAI MEP enables participating banks to more effectively outsource its 401(k) plan fiduciary responsibilities and liabilities while providing potential cost savings. Most importantly, the MEP is controlled by an oversight committee comprised of banks participating in the MEP. The participating banks have direct input into plan structure, funds selection, etc. CBAI 401(k) MEP has been a CBSC Marketing Partner since 2013.
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Banker Testimonials »

 

CBAI Enhanced Email Services

Email Services
Contact:  Jenny DialPhone: 217/529-2265 | Website: www.cbai.com
CBAI's Enhanced Email packages offers banks exchange hosting, remote access, full archiving, encryption, calendaring and Office 365. Packages available also can be customized with an integrated solution of email archiving, email encryption, and file backup to keep information safe, secure and compliant. These email package solutions are designed to meet FINRA and SEC privacy and security requirements, including fully redundant, SOC 2 Type II-audited and backed with outstanding support. CBAI Enhanced Email Services has been a CBSC Marketing Partner since 2011.

 

CBAI Website Hosting Services

Website Hosting
Contact:  Jenny DialPhone: 217/529-2265 | Website: www.cbai.com
CBAI provides your institution’s website with the latest technology, quality, security, and customer support, at an affordable rate. CBAI Website Hosting services offers your bank a complete website hosting package designed especially for CBAI members at a CBAI rate of $1,295 a year. CBAI Website Hosting Services has been a CBSC Marketing Partner since 2000.


CBIS powered by Arthur J. Gallagher & Company

Insurance
Contact:  Patti Tobin | Phone: 217/414-4485 | Website: www.cbai.com
Providing community banks with bond and D&O insurance requires specialized skills, experience, and access to bank-specific markets. That’s why the CBAI board decided in 2011 to partner with a much larger agency that has more expertise to professionally assess bank risk, and the size to access markets that were previously unavailable to us. Through the CBAI-Gallagher partnership, CBAI members now have access to more insurance products and better coverage at competitive rates. CBAI powered by Arthur J. Gallagher & Company has been a CBSC Marketing Partner since 2011 and was CBAI Vendor of the Year in 2015 and 2023.
Banker Testimonials »

 

College Ave Student Loans

Student Loans
Contact:  Mike DukePhone: 217/529-2265 | Website: www.collegeave.com/partner 
Illinois banks are now able to offer their customers a full suite of private student loan products supported by top-notch service while avoiding all loan administration responsibility and credit risk. College Ave 's referral program gives Illinois’ community banks the ability to serve the higher education funding needs of their customers and local communities with a trusted partner in the student loan industry. College Ave is known for competitive interest rates, flexible repayment terms and first-class customer service. Additionally, the online application is easy to complete and submit. Borrowers receive an instant credit decision in less than three-minutes. College Ave Student Loans has been a CBSC Marketing Partner since 2019.

 
Core10

Core10

Digital Account Opening and Lending
Contact:  Tyler BrantleyPhone: 706/424-2721 | Website: https://www.core10.io
Contact:  Wyatt LichtPhone: 925/890-2137 
Core10’s Accrue platform provides community banks with a highly configurable and scalable digital account opening and lending solution that supports consumer and commercial transactions. CBAI members receive a 5% discount on Accrue’s standard product and service fees. Core10 has been a CBSC Marketing Partner since 2023.

Banker Testimonial: “Our bank needed an efficient customer onboarding process, and Core10’s Accrue platform was the obvious choice to upgrade our account opening and lending experiences and expand our digital capabilities. This platform has tremendous potential to streamline PSB’s processes and improve customer and staff experiences and will scale as we grow. Core10 has also proven themselves to be a true partner of the bank and not just another technology provider.” Andrew Black, President and CEO, Princeville State Bank, Princeville, IL



CSC

UCC Search, Retrieval and Filing
Contact: 
Russ Lash  | Phone: 800/858-5294 ext 63714 | Website: www.cscfinancialonline.com
CSC web-based due diligence and document retrieval services provide the most complete and accurate Uniform Commercial Code (UCC) search and filing, and portfolio management services nationwide. CSC provides powerful online management tools that track and audit member banks' UCC filings and generate reminders of filing expirations. CBAI members receive discounts up to 45%. CSC has been a CBSC Marketing Partner since 2004.



Data Business Equipment, Inc. - DBE

Money Handling Equipment
Contact: Jeff Radtke | Phone: 847/341-07475 | Website: www.dbeinc.com
Members receive a discount of not less than 6% off DBE's standard pricing on world class money handling equipment and a double warranty when a maintenance agreement is signed at time of order. Equipment includes coin sorters, currency counters, coin wrappers, MICR encoders, ATMs, Intelligent Cash Recyclers and Self-Service Coin Solutions. Data Business Equipment, Inc., has been a CBSC Marketing Partner since 1982 and was CBAI Vendor of the Year in 2014.
Banker Testimonials »
What is an ITM? »



Econocheck

Packaged Checking
Contact:  Nancy Planells | Phone: 314/323-2252 | Website: www.econocheck.com
Implementing a new benefit-enhanced checking solution will generate significant fee income while providing value-added services that your customers will thank you for including in their checking account. Banks report earning up to $60 per year in net profit per DDA, and CBAI members receive preferred pricing on the secure checking package. Customers also receive cell phone protection, identity protection, online and mobile shopping discounts and more. Econocheck has been a CBSC Marketing Partner since 2018.
Banker Testimonials »





Deluxe Merchant Services 

Merchant Card Services
Contact: Rian Clinton | Phone: 817/698-2253 Website: www.fitech.com
Deluxe Merchant Services enables community banks to provide small business clients with merchant card processing at no risk to the bank, while generating a new revenue stream of 30%-50% of the net margin. Deluxe’s focus is in providing community bank business customers with competitive pricing and superior customer service. Deluxe has partnered with Autobooks to offer a suite of enhanced services that improves cash flow for small businesses. The Autobooks solution integrates with the bank’s core to provide small businesses with access to streamlined payables, receivables, online payment and accounting. Deluxe Marketing Services has been a CBSC Marketing Partner since 2015 and was CBAI 2016 Vendor of the Year.

 
ICBA CRA Solutions

ICBA CRA Solutions

CRA Credit
Contact:  David Lenoir  | Phone: 901/529-4786 | Website: www.icbacrasolutions.org
ICBA CRA Solutions helps create safe and secure living environments for the elderly with help from local banks. ICBA CRA Solutions has helped hundreds of community banks across the country protect residents of low-income senior housing facilities through its trusted Senior Crimestoppers program. Partner with ICBA CRA Solutions and you will receive CRA credit, boost your community relations profile and develop new business relationships, while ensuring safe, secure environments in nursing homes, HUD communities, and veterans homes. With hundreds of banks already participating in the program, ICBA CRA Solutions are protecting thousands of seniors and veterans across America. ICBA CRA Solutions has been a CBSC Marketing Partner since 2020.

ICBA Payments
ICBA Payments
(formerly ICBA Bancard)
Credit Cards
Contact: Heather Sullivan | Phone: 202/597-0330 | Website: www.icba.org
ICBA Payments provides community banks with a number of cutting-edge credit card options. As a direct card issuer, your bank owns its receivables, retains 100% of the interest income and fees, approves all applications, and can tailor its program to meet the specific needs of your customers. If your bank isn’t ready to manage its own credit card program, or wants to sell an existing portfolio, the TCM Bank program is your answer. Your bank retains the relationship with the customer and a portion of the profit! ICBA Payments has been a CBSC Marketing Partner since 2010 and TCM Bank has been a CBSC Marketing Partner since 2004.



IRONCORE, Inc.

Managed IT for Community Banks
Contact: Joe Carty | Phone: 608/519-5567 | Website: www.ironcore-inc.com
IRONCORE provides innovative technology solutions based on banking industry knowledge and best-practice methodology for cybersecurity, cloud hosting, managed networks and IT lifecycle management. CBAI members receive a 5% discount. IRONCORE has been a CBSC Marketing Partner since 2020 and CBAI Vendor of the Year in 2022.



Kasasa

Reward Checking/Web Development and Marketing
Contact: Eric Knopp | Phone: 521/349-4413|Website: www.kasasa.com
Contact:
 Ryan BusenitzPhone: 678/595-0625
Contact: Ryan FoutchPhone: 712/481-9421
Kasasa® is an innovative leader in branded, community-powered banking products proven to drive profit and growth for community financial institutions. With unprecedented access to training, compliance, research, support resources and customized consulting, Kasasa's flagship suite provides a research-based strategy leveraging the power of a branded relationship platform. Kasasa is making community financial institutions the topic of conversation for happy consumers nationwide, and CBAI members receive a 5% discount on all fees. Kasasa has been a CBSC Marketing Partner since 2006 and CBAI Vendor of the Year in 2007.
More Information on Web Development and Marketing »
Banker Testimonials »



KlariVis

Financial Analytics Software Program
Contact: Amber RobinsonPhone: 603/860-3162| Website: www.klarivis.com
KlariVis® is the only cloud-based, core-agnostic enterprise dashboard and analytics solution built for bankers, by bankers. The KlariVis platform compiles and aggregates high-value, actionable data into an intuitive, interactive dashboard that provides financial institutions of all sizes with timely insights that empower teams, drive profitability, and improve productivity at every level of the organization. CBAI member banks can save up to 10% on standard implementation fee, and up to 5% on standard subscription fee. KlariVis has been a CBSC Marketing Partner since 2022.



Ncontracts

Risk Management
Contact: Bria Ashby | Phone: 618/316-4081| Website: www.ncontracts.com
Contact for NboardPortal & Ntranet: David Daniel | Phone: 770/335-1325
Ncontracts is a leading provider of compliance and risk management solutions to the financial services industry. With over 3,700 customers, the company’s powerful combination of software and services provides community banks with an integrated, user-friendly cloud-based solution suite that encompasses the lifecycle of risk and compliance: vendor management, operational risk, audit and findings, and lending compliance. Ncontracts has been a CBSC Marketing Partner since 2019. CBAI members receive a 5% discount on one-time and annual subscription fees in addition to multiple module discounts for the following: 

Ncomply-a compliance management system that includes a library of rules and regulations;
Ncontinuity-business continuity management software;
Nfindings-audit and exam findings management software;
Nrisk-enterprise risk management software;
Nvendor-vendor management software;
NboardPortal-board portal software (contact Tanner for more information);
Ntranet-employee intranet and portal (contact Tanner for more information). 


Quilo

Quilo 2.0

Digital Consumer Loan Program
Contact: Don ShaferPhone: 972/793-2996  | Website: www.quiloit.com
Quilo 2.0, a core-independent digital consumer lending platform that empowers banks to underwrite, approve, instantly fund and service personal loans for their account holders AND provide instant financing for the customers of their small business clients who sell products and services that cost hundreds or thousands of dollars. CBAI members receive special pricing. Quilo 2.0 has been a CBSC Marketing Partner since 2022.



Regency360

Office Supplies, Printed Materials, Promotional Products and Apparel
Contact: John BybeePhone: 217/653-4028 | Website: www.regency360.com
Regency’s Online Company Store automates the acquisition, distribution, warehousing and invoicing of office supplies, corporate-logoed apparel and promotional items. The gained efficiencies save time. Bulk purchasing, offsite storage and on-demand fulfillment saves money. The administrative dashboard puts bank management in control of all aspects of the supply chain including product usage by department and branch. Automate bank purchasing today! Regency360 has been a CBSC Marketing Partner since 2018.


Risk Strategies - IZALE Financial Group

Risk Strategies - IZALE Financial Group

BOLI 
Contact: Scott RichardsonPhone: 847/902-3401| Website: www.izalefg.com
Contact: Phil AdertonPhone: 630/561-9071
BOLI plans are commonly used by banks to fund the ever-rising cost of executive and employee benefits and are powerful tools to help recruit and retain key employees. Bank regulations and tax laws are complex. The experts at Risk Strategies have proven themselves to be among the best in the business at structuring plans that maximize return and avoid unanticipated tax consequences. Risk Strategies - IZALE Financial Group will provide CBAI members with a complimentary, no-obligation review of their existing plan. Risk Strategies has been a CBSC Marketing Partner since 2021 and CBAI Vendor of the Year in 2021.



SHAZAM
®

Debit/ATM Network Services
Contact: Cynthia GloverPhone: 903/436-2178 | Website: www.shazam.net
SHAZAM is the only nationwide independent, member-owned debit network, processor and core provider supporting community banks. SHAZAM ensures their clients have the products and services they demand and expect in a cost-effective way. Founded in 1976 and headquartered in Iowa, SHAZAM is a leader in payments and financial technology with a simple mission: Strengthening community financial institutions. CBAI members receive an annual rebate of $50 per ATM. SHAZAM has been a CBSC Marketing Partner Since 2000 and was CBAI Vendor of the Year in 2001, 2005, and 2011.
Banker Testimonials »

SHAZAM DocuCommand
Document Scanning and Retrieval
Contact: 
Wayne Sanderford | Phone: 922/342-6700Website: www.shazam.net
DocuCommand is SHAZAM's advanced enterprise-wide document scanning, archiving, retrieval and management system. CBAI members receive a 5% discount. SHAZAM DocuCommand has been a CBSC Marketing Partner Since 2022.





The Baker Group

A/L Management and Investment Portfolio Strategies
Contact: Deon Perryman | Phone: 800/960-6990 | Website: www.gobaker.com
Contact: Jason Vlcek | Phone: 888/333-5668
Contact: Ken Judd | Phone: 888/333-0750
Contact: Frank Coffey | Phone: 217/741-58790
Contact: Mo Kelley | Phone: 314/459-1894
The Baker Group is one of the nation’s largest independently owned securities firms specializing in investment portfolio management for community financial institutions. Since 1979, they’ve helped clients improve decision-making, manage interest rate risk, and maximize investment portfolio performance. Their proven approach of total resource integration utilizes software and products developed by Baker’s Software Solutions combined with the firm’s investment experience and advice. The Baker Group has been a CBSC Marketing Partner since 1983 and was CBAI Vendor of the Year in 1993, 1998, 2003, and 2019.
Banker Testimonials »



The Stone River Group

Electric and Gas Procurement
Contact: Don Frontone | Phone: 217/737-5811 | Website: www.thestonerivergroup.com
The Stone River Group’s (SRG) electric and gas procurement experts are independent of any energy producers, sellers or transmitters. They do not make or sell power-they make it more affordable for CBAI members. To ensure CBAI members receive the best possible price, SRG solicits qualified proposals from a number of gas and electricity service providers. Additionally, SRG consultants will aggregate members from the same region of the state and use their combined purchasing power to negotiate even lower rates. The Stone River Group has been a CBSC Marketing Partner since 2018.


Vericast logo

Vericast

Check Printing/Direct Marketing Services
Contact: Natalie KolanderPhone: 612/327-7078 | Website: www.vericast.com

Vericast is a leading marketing solutions company that helps businesses across many industry verticals connect with consumers through data, analytics, and a broad portfolio of digital and print solutions.

We help businesses understand, engage, grow and retain customers. Every day, we influence the consumer purchasing and transaction behavior of more than 120 million households – impacting where people eat, shop, buy, save, and borrow.

It’s crucial to maximize every engagement tool at your disposal to drive brand awareness and revenue. With a full suite of services designed to engage customers including, Check Solutions, Card Solutions, Contact Center Solutions, Customer & Employee Insight, Customer Change Management and Acquisition and Retention; Vericast solutions combine superior service and deep experience to build a program tailored to your goals and brand strategy.  Vericast has been a CBSC Marketing Partner since 1988 and CBAI Vendor of the Year in 1996, 2002, and 2013.
Banker Testimonials »



Wolters Kluwer

Beneficial Ownership Secure Filer
Contact: Brenda Herubin | Phone: 320/240-5883 | Website: www.wolterskluwer.com
Wolters Kluwer can help your small business customers comply with the corporate Transparency Act’s Beneficial Ownership Information (BOI) reporting requirement by utilizing its easy-to-use BizFilings reporting solution. BizFilings simplifies the filing process and provides detailed step-by-step guidance, works seamlessly across desktop, tablet and mobile devices, has a simple dashboard view, allows for easy collaboration via text or email, and includes access to BOI experts for support. When CBAI member banks work with Wolters Kluwer to refer customers to BizFilings, they receive an internal training and resource kit, a customer-facing resource kit, and a custom filing link and QR code. Wolters Kluwer has been a CBSC Marketing Partner since 1988.
More information here »



Wolters Kluwer

Loan and Deposit Automation Software/HMDA Compliance Solution
Contact: Brenda Herubin | Phone: 320/240-5883 | Website: www.wolterskluwer.com
Wolters Kluwer® is the market leader in providing compliance, credit, and operational risk management solutions to a variety of financial institutions. The company’s integrated and stand-alone deposit, lending, IRA, and Financial Intelligence solutions can help financial institutions efficiently comply with federal and state regulations. When you work with Wolters Kluwer, you will always receive a 10% discount for being a CBAI member. Wolters Kluwer has been a CBSC Marketing Partner since 1988.
More Information on HMDA Compliance Solution »
Banker Testimonials »



Wolters Kluwer Cash Suite

Credit Analysis Software
Contact: Brenda Herubin | Phone: 320/240-5883 | Website: www.wolterskluwer.com
Wolters Kluwer's CASH Suite TM is comprised of nine integrated solutions that provide community banks with a powerful commercial lending software solution that helps business lenders increase profits and grow top-line revenue by achieving straight-through-processing across every step of the commercial loan lifecycle. Wolters Kluwer has been a CBSC Marketing Partner since 1988.



Wolters Kluwer® TSoftPlus™

Paycheck Protection Program (PPP) Software
Contact: Brenda Herubin | Phone: 320/240-5883 | Website: www.wolterskluwer.com
Wolters Kluwer® TSoftPlus™ is designed to help banks and credit unions support small businesses with payroll funding during the COVID-19 crisis. In response to Congressional passage of the CARES Act (Coronavirus Aid, Relief and Economic Security Act), Wolters Kluwer Compliance Solutions has launched a dedicated solution, Paycheck Protection Program supported by TSoftPlus™, utilizing its market-leading SaaS-based software. Wolters Kluwer has been a CBSC Marketing Partner since 1988.


OTHER SERVICES:



A Real Community Bank Image Program

Contact: Valerie Johnston | Phone: 217/529-2265
CBAI is proud to present the Real Community Bank Image Program, available only to CBAI active member financial institutions. A Real Community Bank is one which takes its commitment to its community seriously. This is a bank in which decisions are made locally, for the betterment of the home area in mind. CBAI leadership believes that, while we may recognize the difference between a community bank and a mega-bank, too many mega-bank imposters are attempting to claim our identity. The Real Community Bank Image Program, now implemented in nearly 20 other states throughout the United States, harnesses the power of professionally produced commercials which can be personalized for your bank. It's designed to accurately and compellingly inform viewers, listeners, and/or readers about what makes a community bank better.
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CBAI
COMPENSATION
SURVEY

CBAI Compensation Survey
Contact: Valerie Johnston | Phone: 217/529-2265 | Website: www.cbai.com
Is your bank competing effectively with your peers to attract, reward and retain the top talent in today’s job market? What is your strategy to win the race for qualified leadership and employees? The Compensation measures only Illinois community banks and reports the findings by geographical area and asset size. Salaries, incentive pay, directors’ fees, 80 benchmark positions, paid time off and more are measured. Members that participate receive the results for FREE!
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COMMUNITY 
BANKERS FOR
COMPLIANCE
PROGRAM (CBC)

 
CBC Program
Contact: Jennifer Nika | Phone: 217/529-2265 | Website: www.cbai.com
CBAI is pleased to offer you access to this critical guide to survival, the Community Bankers for Compliance (CBC) Program. Now beginning its twenty-fourth year, the CBC Program is the most successful and longest running compliance training program in the country. The CBC Program is presented by Young & Associates, Inc., a nationally-recognized compliance consulting firm specializing in community banks.
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